6 Truths

6 Truths You Must Know If You Have A CMBS Loan
GlobeSt.com Article by Ann Hambly

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GlobeSt Article

7 Things That Kill A CMBS Assumption
GlobeSt Article Featuring Ann Hambly

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Loan Restructures

Little to do with real estate. There’s much more driving decisions on a CMBS loan request.
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Loan Assumptions

Fastest in the Industry. Successfully completed more assumptions than anyone in the industry!
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Performing Loans

Even the most ‘simple’ requests take on a life of their own in a CMBS structure
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CMBS Advisory Firm – for all your CMBS needs

We provide advice and solutions for anything ranging from the addition or removal of collateral on an existing CMBS loan, to the most complex loan restructure for all loan types, nationwide. We create a strategy for the owner based on their specific objectives, including avoiding or delaying tax consequences and blend that with the expectations/requirements of the particular Lender/Special Servicer. We also provide the owner with borrower friendly, creative debt & equity structures. We created this niche in the business and we remain the leader.

1st Service Solutions is a team of people who were former servicers, or even CEO’s and managers of servicing shops

The 1st & Only Rated Borrower Advocate

Founded in 2005 by veteran servicing CEO, Ann Hambly, 1st Service Solutions was the first firm dedicated to serving exclusively as a borrower advocate for loan workoutsloan assumptions and performing loan requests within CMBS. Over the years, the firm has remained the leader in the borrower advocacy space and is currently ranked MOR CV2 by Morningstar Credit Ratings. Don’t settle for 2nd, always go with 1st (Service Solutions). To date 1st Service Solutions has achieved success on advocacy for over $15 billion transactions. 1st Service Solutions’ Menu of services.

Recent Successes by 1st Service Solutions

Our Founding Principles


Integrity– as the organization that created the borrower advocate role in the industry, we have built our reputation on integrity. We will always maintain the highest of expectations with respect to interactions with our clients, frank communication and representation of the owner’s best interest.


Care – we believe owners want to be understood and know that someone cares just as much as they want pure knowledge. Our team is made up of people who genuinely care about each other, which results in a caring environment for our clients. Sometimes, we may feel like the only party that cares in a CMBS structure!

Alignment of Interest

Alignment of Interest – we spend a lot of time providing free consultations and always put the owner’s best interest ahead of ours. We do not accept an engagement from every owner who requests our help because we are not in the business of collecting fees without a positive resolution. We do not profit unless the owner benefits and our fee structure is aligned with the owner.

Owner empowerment through education

Owner Empowerment Through Education –  many owners think a CMBS loan works like a bank loan and that a good discussion with a servicer will be as effective as a discussion with their banker. Our extensive hands-on experience with CMBS loans teaches us that this belief could not be further from the truth. 50% of our job is to educate owners on how CMBS works, inform them of the intricate “behind the scenes” factors in a CMBS loan, and help them understand what to expect and why. We spend a significant amount of time and money on the education of owners.


Relevant – because we are a borrower advocate 24/7, we are on the forefront of CMBS trends, deal structures, regulatory changes and special servicer practices; which means our service is always relevant.